Car Accident Settlement Funding: How to Get Pre-Settlement Funding
A car accident can turn your life upside down in seconds. You're dealing with injuries, medical appointments, lost wages, and mounting bills—all while your lawsuit winds through the courts. If you've been injured due to another driver's negligence, you likely have a valid claim, but waiting months or years for settlement can devastate your finances.
Best Call Funding helps motor vehicle accident victims nationwide access cash advances while their cases are pending, allowing them to cover expenses without accepting unfair settlements born from desperation.
Understanding Car Accident Settlement Funding
Car accident settlement funding is a non-recourse cash advance for victims waiting for cases to resolve. Unlike traditional loans, it's based entirely on your case's strength and expected settlement value—not your credit score. You receive a portion of what your attorney estimates you'll recover, allowing you to pay bills and cover medical expenses while your case progresses.
The critical distinction: you only repay if you win. If the settlement doesn't materialize or you lose at trial, you pay nothing. There are no exceptions, hidden conditions, or collections attempts. Best Call Funding assumes all financial risk, allowing you to pursue maximum compensation without worrying about debt if your case doesn't succeed.
Why Car Accident Victims Struggle Financially
The Long Wait and Financial Burden
Car accident lawsuits typically take 18 months to settle, with complex cases dragging on for years. According to the National Highway Traffic Safety Administration, the average car accident generates approximately $10,000 in direct medical expenses per victim, with serious injuries exceeding $50,000 in total damages. Yet settlements take years to materialize, forcing victims to carry this burden while waiting for compensation.
During litigation, medical treatment continues, physical therapy stacks up, and surgeon bills arrive. Insurance adjusters deliberately slow-walk negotiations, knowing financial pressure works in their favor. If you're unable to work due to injuries, you lose an average of 6-8 months of wages during recovery and litigation—creating a perfect financial storm just when you need stability most.
Insurance Company Tactics
Insurance companies exploit your financial desperation. An injured plaintiff struggling to pay bills is far more likely to accept a quick settlement than one with financial stability. By delaying case resolution while you're desperate, they position themselves to settle for pennies on the dollar. Pre-settlement funding levels the playing field—you gain genuine negotiating leverage to hold out for fair compensation.
How Car Accident Settlement Funding Works
The Application Process
Apply online at or call (844) 676-CASH (2274). The application takes minutes and can be completed from home, 24/7. No credit check or employment verification required. There are no upfront fees—application and processing fees are incorporated into your contract with no payment until after you win.
Case Evaluation
Best Call Funding's team contacts your attorney to gather case information. They review accident facts, liability factors, documented injuries, medical records, treatment costs, lost wages, and insurance coverage. They develop a conservative settlement estimate with your attorney. Best Call Funding commits to contacting you within 24 business hours of application submission.
Fast Disbursement
Once approved, you typically receive funding within 24-48 hours. Options include same-day electronic bank transfer, Western Union, overnight check, or standard mail. Funding typically ranges from 10-15% of your expected settlement value, depending on case strength, injury severity, and liability clarity.
Pre-Settlement Funding vs. Traditional Financing
| Factor | Pre-Settlement Funding | Personal Loans | Credit Cards | Payday Loans |
|---|---|---|---|---|
| Credit Check | None | Required | Required | Often Required |
| Monthly Payments | None | Yes | Yes | Yes |
| Repayment if You Losed | $0 owed | Full Amount | Full Amount | Full Amount |
| Interest Rate | 19.5-22.5% every 6 months | 5-36% annually | 12-30% annually | 400%+ APR |
| Speed of Access | 24-48 hours | 3-7 days | 1-2 days | Same day |
| Credit Impact | None | Negative | Negative | Negative |
Pre-settlement funding stands apart because you're not taking on debt—you're accessing an advance on money that's already yours. If your case doesn't succeed, you owe nothing. Personal loans or credit cards require repayment regardless of your case outcome, potentially forcing bankruptcy if settlement doesn't materialize.
How Much Can You Receive?
Most car accident plaintiffs receive 10-15% of the expected settlement value. Here are realistic examples:
Moderate injury case: Expected settlement $40,000 | Typical advance $4,000–$6,000
Serious injury case: Expected settlement $100,000 | Typical advance $10,000–$15,000
Complex multi-injury case: Expected settlement $250,000 | Typical advance $25,000–$37,500
Exact amounts depend on liability clarity, injury severity, medical documentation quality, defendant's insurance limits, and state regulations. Some victims apply for multiple advances as cases progress. Best Call Funding reviews additional funding requests approximately 30 days after previous advances.
Key Features of Best Call Funding
Non-Recourse Means Zero Risk
If your case doesn't result in a settlement or a favorable judgment, you owe nothing. No exceptions, hidden clauses, or collections attempts. Your attorney can negotiate aggressively for maximum settlement without any pressure from the funding company.
No Credit Checks or Employment Requirements
Your credit score is irrelevant. Funding decisions are based solely on case merits—liability strength, injury severity, damages documentation, and settlement potential. Your employment status doesn't matter. However, a history of bankruptcy can affect funding eligibility, as it may be considered during case evaluation. Best Call Funding evaluates your case circumstances, not just your credit score.
Transparent Pricing with No Hidden Fees
Pre-settlement funding costs typically range from 19.5-22.5% every six months. We offer both simple and compounding interest options, and all fees are explained upfront. Your attorney handles repayment coordination after settlement, so you never have to manage complex arrangements yourself.
Your Attorney Maintains Complete Control
Best Call Funding has zero involvement in settlement strategy. Your lawyer remains completely in charge, free to pursue the best outcome.
Eligible Cases and Typical Uses
Best Call Funding funds motor vehicle accidents, including standard car accidents, truck accidents, motorcycle accidents, and rideshare vehicle accidents. Funding can cover rent or mortgage payments, medical bills and ongoing treatment, utilities and groceries, car payments and transportation, home modifications for disability accommodation, debt payments, legal fees, or any essential expense.
Settlement and Repayment
Once your case settles, the defendant's insurance sends a settlement check to your attorney's trust account. Your attorney coordinates with Best Call Funding to repay the advance plus fees directly from settlement proceeds.
After repayment, your attorney deducts their contingency fee and deposits your remaining balance. The entire process is handled by your attorney—you never manage repayment logistics.
Why Choose Best Call Funding
Best Call Funding brings over 20 years of combined industry experience. They prioritize plaintiffs over profits, reflected in transparent processes and fast communication. They serve car accident victims nationwide with no geographic limitations. Best Call Funding holds
NMLS certification, demonstrating compliance with state regulations and commitment to excellence across multiple jurisdictions.
Get Your Financial Relief Today
Car accidents are traumatic enough without financial desperation added to your recovery. Best Call Funding removes the impossible choice between accepting inadequate settlements and suffering financial hardship. Their non-recourse pre-settlement funding lets you focus on recovery while your attorney pursues fair compensation.
If you've been injured in a car accident and have an attorney, don't let financial pressure force you into accepting less than you deserve.
Apply online today or call (844) 676-CASH (2274). You'll hear back within 24 business hours with an update on your funding request. Best Call Funding is ready to help you get back to life's precious moments while your case progresses toward the settlement you deserve.
Frequently Asked Questions
Can I get car accident funding if I was partially at fault?
Possibly. Best Call Funding evaluates each case individually based on state comparative negligence laws. Even if you bear some responsibility, you may still qualify if your state allows recovery under comparative negligence rules. Discuss your specific accident circumstances with your attorney and Best Call Funding's evaluation team.
What if the other driver was uninsured or underinsured?
You may still qualify if you have uninsured or underinsured motorist coverage on your own policy. These coverage types often provide substantial recovery even without the other driver's insurance. Best Call Funding evaluates cases involving UM/UIM coverage regularly and understands how these claims work.
How does my attorney's contingency fee affect my funding repayment?
Your attorney's contingency fee is separate from Best Call Funding repayment. After settlement, your attorney first repays Best Call Funding their advance plus accrued fees, then deducts their own contingency percentage, and finally deposits your remaining balance. The funding company and your attorney are paid sequentially from settlement proceeds.
Will accepting pre-settlement funding delay my case resolution?
No. Accepting a pre-settlement advance has zero impact on your case timeline. Best Call Funding does not interfere with settlement negotiations or case strategy. Your attorney proceeds exactly as they would without funding, free to pursue maximum compensation without pressure or interference.
What if my medical treatment extends beyond my funding amount?
If you need additional funds as treatment continues, you can apply for supplemental advances. Best Call Funding reviews additional funding requests approximately 30 days after your previous advance, provided your case continues progressing toward settlement and case value supports additional funding.
Do I need to have an attorney already when I apply?
Yes. You must be represented by an attorney working on a contingency fee basis to qualify. Best Call Funding coordinates directly with your legal team to evaluate your case, so your attorney must be retained before application.
What happens if my case goes to trial instead of settling?
Pre-settlement funding remains in effect if your case proceeds to trial. You continue receiving advance funds if your case value supports it, and repayment occurs from your judgment award rather than a settlement check. The process remains the same whether your case settles or goes to trial.
Will pre-settlement funding appear on my credit report?
No. Because pre-settlement funding is not a traditional loan, it does not appear on your credit report as debt. Your credit score remains unaffected by accepting a pre-settlement advance. This is a significant advantage over personal loans or credit card advances.
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